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Shelby County State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 11702

Shelbyville, IL

6 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -1.9% year over year ($324.7M on the books).
  • Delinquency rate 0.31%.
  • Return on assets 1.70%.
  • Efficiency ratio 53.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.59% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Shelby County State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.38% above tier average
  • + Efficiency Ratio 11.19% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 25.3% in tier
  • - Deposit Outflow: Bottom 48.4% in tier
  • - Net Interest Margin 0.18% below tier average
Get updates when Shelby County State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $363.2M
+1.5% YoY +0.6% QoQ
-$23.3M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $255.2M
+7.3% YoY +1.3% QoQ
-$3.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $324.7M
-1.9% YoY +0.2% QoQ
-$2.0M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 1.70%
+25.6% YoY +7.4% QoQ
+0.38% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 3.81%
+6.8% YoY +3.7% QoQ
-0.18% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 53.29%
-14.9% YoY -1.6% QoQ
-11.19% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
76%
Delinquency Rate ? 0.31%
-41.6% YoY -4.1% QoQ
-0.60% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 78.59%
+9.4% YoY +1.0% QoQ
+0.64% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 16.26%
-0.7% YoY -2.2% QoQ
-5.77% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.35%
-28.4% YoY -2.4% QoQ
-0.32% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 10.44%
+6.3% YoY +1.2% QoQ
-5.47% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.15%
+2.8% YoY +94.8% QoQ
-0.42% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 16.3%
-0.1pp YoY
-0.4pp QoQ
 -5.9pp 22.1% 20.1% 22.2% 28%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 7.9%
-1.6pp YoY
-0.8pp QoQ
 -3.6pp 11.6% 14.7% 12.5% 40%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 24.0%
-0.8pp YoY
+0.9pp QoQ
 -8.7pp 32.6% 28.3% 31.3% 39%
Consumer 1.8%
-0.5pp YoY
-0.2pp QoQ
 -2.3pp 4.1% 5.4% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 10.4%
+0.6pp YoY
+0.1pp QoQ
 -1.7pp 12.2% 12.2% 12.6% 40%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 45
-4 (-8.2%) YoY
-6 (-11.8%) QoQ
 -14 58 228 482 47%
Assets per Employee ($) $8.1M
+10.5% YoY
+14.0% QoQ
 +$554K $7.5M $8.3M $8.8M 68%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.1% 1.0% 40%
Allowance Coverage 2.17x
+48.7% YoY
+4.9% QoQ
 -21.98x 24.15x 5.62x 20.23x 50%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 61%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 20.7%
+0.2pp YoY
+1.2pp QoQ
 +8.5pp 12.2% 10.5% 11.6% 90%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 20%
Net Income ($, YTD) $3.1M
+29.1% YoY
— QoQ
 +$527K $2.6M $11.7M $40.4M 71%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#168 of 661 • Bottom 25.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.44%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Outflow

decline
#260 of 535 • Bottom 48.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

637
Efficiency Ratio
profitability
Value: 53.29%
Peer Median: 64.48%
#637 of 2643 Top 24.1% in $100M-$1B
639
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.32%
#639 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (1 metrics)

2224
Tier 1 Capital Ratio
capital
Value: 10.44%
Peer Median: 15.91%
#2224 of 2643 Bottom 15.9% in $100M-$1B
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